Score 100,000 Amplify points with St.George Amplify Platinum Credit Card and no annual fee in year one

Overview of the St.George Amplify Platinum Credit Card

The St.George Amplify Platinum Credit Card is a top pick for Australians chasing big rewards and practical perks. New cardholders can earn 100,000 Amplify points when they spend $3,000 within the first 90 days, making this one of the more generous sign-up offers in Australia.

Beyond the welcome bonus, the Amplify Platinum card earns points on everyday spending and lets you convert Amplify points into Velocity Frequent Flyer points, eGift cards or travel bookings, giving real flexibility for travellers and frequent spenders across Sydney, Melbourne and beyond.

Fees, rates and the 0% balance transfer offer

There’s no annual fee in year one, which helps you maximise the 100,000 Amplify points without upfront cost; after that the annual fee is $124 per year. The card also charges a 3% foreign transaction fee, so consider that for international purchases unless you plan to convert points to travel rewards.

If you’ve got existing card debt, the 0% p.a. balance transfer for 24 months is a strong feature — it carries a one-off 1% balance transfer fee. Be aware of the cash advance rate (around 21.49% p.a.) if you move to other types of borrowing and always aim to clear balances before the promo ends.

Travel benefits, insurance and reward redemptions

The Amplify Platinum comes with complimentary travel insurance benefits when you purchase travel with the card, covering things like medical emergencies, cancellation and lost luggage — handy for domestic hops between Brisbane and Perth or international trips to Bali. That travel cover adds tangible value when you factor in the sign-up points.

Redeeming your Amplify points is straightforward: convert to Velocity points (100,000 Amplify often equals a large Velocity boost), spend on flights, or use eGift cards. Points start to be redeemable from relatively low thresholds, so small, regular spend can top up to meaningful rewards.

How to apply and tips to maximise your Amplify points

Applying online is quick — have your ID, proof of income and basic expenses ready, and ensure your credit file looks tidy to boost approval chances. The card targets people with a good credit score who want a mix of rewards and practical balance transfer relief.

To get the most from the St.George Amplify Platinum Credit Card, plan to meet the $3,000 spend in the first 90 days for the 100,000 Amplify points, use the 0% balance transfer to consolidate high-rate debt, and put regular household bills and groceries on the card for steady points accumulation. Responsible use and paying balances on time keeps interest costs down and the rewards genuinely worthwhile.